Tipton Lakes Community Association (Columbus, Indiana) HOA Governing Document Audit — CC&Rs, Bylaws & IC 32-25.5 & IC 32-25 Review

Our initial scan found 2 potential issues in your governing documents.

We checked the 3 public PDFs on Tipton Lakes Community Association’s website against current Indiana (IC 32-25.5 & IC 32-25) and federal HOA law—and more issues may exist depending on the documents you load.

TLCA Declaration of CC and Rs TLCA Bylaws 072020 TLCA 2016 Rules and Regulations + Add up to 10 PDFs in Full Analysis

Initial Scan

2 Issues

Flagged across 3 public governing PDFs.

Sample Excerpt Below

Page 5

TLCA Declaration of CC and Rs excerpt with statutory citation & redline notes.

Full Analysis Scope

Up to 10 PDFs

Unlocks all 2 initial issues plus any additional documents you load.

Page 5 of TLCA Declaration of CC and Rs

Each page is widened by 340pt to place the controlling statute and counsel discussion notes right beside the highlighted clause.

Tipton Lakes Community Association TLCA Declaration of CC and Rs page 5 widened with TrueHOA Crystal AI margin annotations

1-page sample from TLCA Declaration of CC and Rs (Page 5) showing paragraph highlight, leader line, statutory citation, and discussion notes.

Download 1-Page Sample PDF →

HIGH LEGAL RISK Sample Issue #1 of 2

TLCA Declaration of CC and Rs · Sec. 4.05 · Page 5

Right of First Refusal (ROFR) clause lacks mandatory exemptions for foreclosure, deeds in lieu of foreclosure, and FHA/GSE-insured mortgages.

Operative Clause · Sec. 4.05 (Page 5)

“Title to Common Area .. .... ... •. Page 22 • . Page 23 ... • (i) Legal Title (ii) Conveyance to Association (a) Developer's Responsibility to Build Common Areas and Facilities (b) Notice of Intent to…”

Why It’s Flagged

Fannie Mae Selling Guide B4-2.1-03, Freddie Mac Guide Ch. 5701, & 24 C.F.R. § 203.43b (FHA / Agency Lending Guidelines)

Under federal HUD/FHA regulations (24 C.F.R. §§ 203.41, 203.43b), VA regulations (38 C.F.R. § 36.4354), and Fannie Mae / Freddie Mac project eligibility standards, any Right of First Refusal in the governing documents renders the entire community non-warrantable for federal and conventional secondary-market mortgages unless it expressly exempts foreclosures, deeds-in-lieu of foreclosure, and mortgagee transfers, and complies with anti-discrimination mandates.

Sample Discussion Wording for HOA Counsel

For Board & Counsel Review

Any Right of First Refusal reserved herein shall not apply to or impair the rights of any institutional First Mortgagee, nor shall it apply to any transfer or conveyance by foreclosure, deed in lieu of foreclosure, or subsequent sale by a First Mortgagee, Fannie Mae, Freddie Mac, FHA/HUD, or VA, in compliance with 24 C.F.R. §§ 203.41, 203.43b, 38 C.F.R. § 36.4354, and Fannie Mae Selling Guide B4-2.1-03.

1 Additional Issues Flagged in Initial Scan

Unlock exact page coordinates, statutory citations, and counsel discussion notes for all 1 remaining issues—plus load up to 10 PDFs for complete review.

CC&Rs & Declaration Hierarchy Bylaws, Elections & Quorum Architectural Review (ARC) Fines, Hearings & Due Process Leasing & Rental Restrictions Reserve Studies & Assessments Official Records Inspection IC 32-25.5 & IC 32-25 & Federal Preemption

FULL GOVERNING DOCUMENT AUDIT · UP TO 10 PDFS · $699

What the Full Analysis Checks & How It Works

Statutory & Federal Check: Audits up to 10 PDFs (CC&Rs, Bylaws, Rules & Amendments) against Indiana statutes (IC 32-25.5 & IC 32-25), Federal law, and local codes.
Cross-Document Hierarchy Check: Flags internal contradictions where Rules, Policies, or Bylaws conflict with your recorded Declaration.
Marked-Up PDFs for Board & Counsel: Boxes each issue on the source page with the controlling statute cited and sample discussion wording.

Run Full Analysis ($699) → Instant PDF packet · 100% risk-free
100% refund if you’re not satisfied

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Tipton Lakes Community Association & Indiana Governing Document Audit FAQ

Answers for HOA board members, community association managers (CAMs), association legal counsel, and homeowners reviewing Tipton Lakes Community Association’s governing documents under IC 32-25.5 & IC 32-25.

Homeowners & Community Overview What governing documents were audited for Tipton Lakes Community Association in Columbus, Bartholomew County, Indiana?

TrueHOA Crystal AI scanned 3 public governing PDF(s) associated with Tipton Lakes Community Association (Columbus, Bartholomew County, Indiana), including TLCA Declaration of CC and Rs, TLCA Bylaws 072020, and TLCA 2016 Rules and Regulations (primary excerpt: TLCA Declaration of CC and Rs), parsing 447 operative clauses with exact PDF page coordinates. The audit checks CC&Rs (Declaration of Covenants, Conditions, and Restrictions), Bylaws, Articles of Incorporation, and Rules & Regulations against Fannie Mae Selling Guide B4-2.1-03, Freddie Mac Guide Ch. 5701, & 24 C.F.R. § 203.43b (FHA / Agency Lending Guidelines) and Indiana Homeowners Associations Act (IC 32-25.5) & Condominium Law (IC 32-25).

HOA Board of Directors Why did Tipton Lakes Community Association’s governing documents flag 2 potential compliance issues, and what should the Board do?

Older HOA Declarations, Bylaws, and Operating Rules frequently contain provisions superseded by subsequent amendments to Indiana Homeowners Associations Act (IC 32-25.5) & Condominium Law (IC 32-25) or federal law, or internal hierarchy conflicts where board rules contradict the recorded Declaration. The 2 flagged clauses highlight areas where Tipton Lakes Community Association’s Board of Directors and association counsel can proactively update policies, avoid unenforceable fine or enforcement disputes, and fulfill board fiduciary duties.

HOA & Real Estate Attorneys How does TrueHOA Crystal AI check Indiana HOA governing documents under IC 32-25.5 & IC 32-25 for association counsel?

TrueHOA Crystal AI ($699 one-time for up to 10 governing PDFs) evaluates every clause against federal law (Fair Housing Act, OTARD 47 C.F.R. § 1.4000 telecommunications rules, federal solar/bankruptcy protections), Indiana Homeowners Associations Act (IC 32-25.5) & Condominium Law (IC 32-25), local codes, and cross-document hierarchy (Recorded Declaration > Articles > Bylaws > Rules). Every PDF page is widened by 340pt on the right margin with exact paragraph bounding boxes, statutory citations (Fannie Mae Selling Guide B4-2.1-03, Freddie Mac Guide Ch. 5701, & 24 C.F.R. § 203.43b (FHA / Agency Lending Guidelines)), and non-repetitive discussion wording prepared for HOA legal counsel.

Community Association Managers (CAMs) How do Indiana HOA property managers use TrueHOA Crystal AI during onboarding or annual compliance reviews?

Community association managers (CAMs, CMCA, AMS, PCAM) and management companies use TrueHOA Crystal AI when onboarding a new Indiana HOA or preparing for annual meetings, reserve and assessment reviews, architectural (ARC) disputes, or covenant enforcement. The audit works alongside Vantaca, AppFolio, CINC, and TownSq to give managers an instant, page-cited compliance roadmap across all 10 community PDFs.

Elections & Covenant Amendments How can Tipton Lakes Community Association pass a CC&R or Bylaw amendment or run a certified HOA election in Indiana?

When an audit identifies outdated covenants or bylaws requiring homeowner ratification, or when Tipton Lakes Community Association conducts its annual board election, TrueHOA Verified Governance® ($0.50 per door per month, unlimited elections and votes) provides secret-ballot and electronic voting compliance, automated quorum tracking, and cryptographically sealed election records that cut manager election administration time by 98%.